Three for two, buy one get one free, vouchers if you spend a certain amount – there are so many tempting offers from supermarkets today it’s hard to keep track. But while they might appear to be good

Switching supermarkets is a simple way to save money. Prices vary widely between retailers, especially on staples like bread, milk and fresh produce, so shifting this part of your weekly shop to disco

Start right now! It’s the best way to keep calm, make informed choices, allow a little flexibility and spread the cost. You’ll be able to reap the rewards of being super-organised nearer the time. Set

IDEAL HOME’S COLUMNIST AND EDITOR OF MONEYWEEK.COM KALPANA FITZPATRICK SHARES HER FINANCIAL WISDOM

How to judge festive sale offers and avoid the hype

Q I’d like to help others this Christmas but my budget is limited. Do you have any tips? A There are lots of ways to help others that don’t involve money. Are there any local charities near you lookin